tag:blogger.com,1999:blog-88365366216947382492024-02-08T12:19:27.511-08:00AlloansandInsurance2verybodyIt talks about loans and insurance and the basics to receive and enjoy their benefits.Adelugba kayodrhttp://www.blogger.com/profile/11360593402914441379noreply@blogger.comBlogger21125tag:blogger.com,1999:blog-8836536621694738249.post-29607781333611855022022-03-24T19:41:00.003-07:002022-03-24T19:41:44.123-07:00IFC 86FB FOOTBALL INVESTMENT You can also watch this video 👇
https://youtu.be/koTtRWuAQIg
Register link👇
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Minimum investment is 3500 naira
Maximum investment is 10 million
There is a 5% withdrawal fee on every withdrawal you make, and maximum 3 withdrawals daily
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Register link👇
https://www.86w.com/#/pages/register/index?share_code=3B9B27E6
86FB works with reverse algorithm, that is, we predict a scoreline that can not happen, that guarantees our win. If the scoreline we choose is what the game actually ends in, it means we have lost, and your capital that you played with would be reversed back to your wallet, instead of losing your money. So it's a total win win situation
Our project is to buy the scores of football matches. Normal purchase is to buy the scores of the match results. We are reverse purchases, that is, as long as it is different from the match results, we make money.
86FB was created 8 years ago, but started Nigerian operations from 2 years ago
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https://chat.whatsapp.com/LpenDEMwwPkK50AA7k4IhpAdelugba kayodrhttp://www.blogger.com/profile/11360593402914441379noreply@blogger.com0tag:blogger.com,1999:blog-8836536621694738249.post-61017663043038721062018-12-01T22:50:00.000-08:002018-12-01T22:55:10.374-08:00What is a good domestic insurance policy?home proprietors insurance quotes vary extensively based totally on your geographic area. regions vulnerable to hurricanes, floods, hail, earthquakes, fires and other herbal screw ups will typically have better costs. Even the space to the closest fire branch or hearth hydrant may have an impact on your home proprietors coverage quotes.<br />
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domestic owners coverage policies are designed to guard your private home and personal belongings in opposition to losses from the perils listed in your policy.<br />
domestic proprietors insurance rates vary extensively based totally to your geographic vicinity. regions liable to hurricanes, floods, hail, earthquakes, fires and different natural screw ups will commonly have better fees. Even the gap to the nearest fire branch or fire hydrant will have an impact on your house proprietors insurance quotes.<br />
<img alt="Image result for domestic insurance policy" src="https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcQ74UHyXoOqls6cMdQVCSvdNWniMSwyH3oDjc6KQ19rRQtMksBKWA" /><br />
understanding Your coverage is very critical<br />
insurance for belongings and Possessions<br />
liability coverage<br />
robbery Off Premises<br />
additional dwelling fees<br />
What Can a property owner Do To Be prepared?<br />
What Can a property owner Do To save money?<br />
insurance for assets and Possessions<br />
harm to the living and the contents may be the largest sudden disaster anticipating a property owner who has less coverage than wished. maximum regulations offer a stated maximum quantity of coverage for the living and every other quantity for contents.<br />
normally, dwelling insurance is based totally on replacement value, this means that that in the occasion of a complete loss, the coverage will offer reimbursement, up to the policy restriction, to replace the shape. preferably, a owner of a house should purchase sufficient insurance to absolutely rebuild the home, known as replacement value. This parent won't be the house's real market value or what the owner in the beginning paid for the home. this is in particular proper in a depressed or an inflated marketplace or if the house is without a doubt now not replaceable to its situation prior to the loss. alternative cost policies, which may additionally pay over the policy restrict to rebuild the house, may be available from your insurer.<br />
To decide how a lot insurance to buy, an correct appraisal of the home for replacement cost ought to be made. running along with your insurance corporation is essential in this manner. most insurers propose or require that a homeowner insure the dwelling for one hundred percentage of its full replacement fee. a few houses, very particular ones such as country wide register-kinds or very difficult ones, can not be insured for genuine replacement since some features aren't replaceable in either workmanship, substances or practical prices. The insurer and/or the agent is the pleasant supply for these problems.<br />
<img alt="Image result for domestic insurance policy" 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" /><br />
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insurance for private property is one of a kind. maximum policies offer real coins fee insurance for contents which incorporates depreciation, or full value contents with out depreciation. real cash price approach that if a electricity surge blows out a ten-yr-old television set, the house owner must realize what to expect. unlike complete fee contents coverage, which might essentially provide a brand new television set, actual coins fee insurance lets in the insurance organisation to calculate the useful lifestyles of the item after which depreciate the item to present price. A depreciated 10-yr-vintage television set might be insured for only a fraction of its original cost. A house owner may additionally want to don't forget replacement fee coverage to be sure that the contents are correctly insured.<br />
similarly to making sure that contents are protected for alternative fee instead of real cash price, homeowners should purchase additional coverage for items that would broadly speaking be concern to loss limitations. truely all rules cover contents loss as much as the policy restriction for gadgets that consist of furniture, garb, toys, accessories such as lamps and other objects that are used for decor. specific obstacles are set in the policy for excessive-cost items including rings, exceptional art, furs, electronics, collectibles, oriental rugs and antiques. If a thief comes in and steals a two-caratAdelugba kayodrhttp://www.blogger.com/profile/11360593402914441379noreply@blogger.com0tag:blogger.com,1999:blog-8836536621694738249.post-31079905973072401662018-12-01T22:34:00.001-08:002018-12-01T22:57:05.826-08:00What Senior citizens need To recognise approximately private long term Care insurance phrase matter:<ins class="adsbygoogle" data-ad-client="ca-pub-4531728877092843" data-ad-format="fluid" data-ad-layout="in-article" data-ad-slot="8307687551" style="display: block; text-align: center;"></ins><script>
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This comprehensive article examines the problem of long term care and how LTC insurance need to be used to help with some of the expenses. First, long term care is defined; and economic problems are outlined. Then the "while, where, what and why's" of lengthy-time period Care coverage are discussed.<br />
<img alt="Image result for long term care insurance" 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" /><br />
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long term care is a main subject of american senior residents and their families. studies have shown that individuals rank long term care 2d, behind saving for retirement, whilst prioritizing financial needs. sadly, many individuals do not need to consider desiring long time care and, therefore, fail to plan for it. Others wrongly anticipate that Medicare or fashionable medical health insurance regulations will cowl the charges of long time care services. due to this failure to devise, tens of lots of usa citizens are impoverished each 12 months by way of the fees of long term care.<br />
The first-rate time to devise for long term care is earlier than it is wished. start thinking about long time care whilst you plan for retirement. in case you are already retired, it isn't too past due to begin planning for capacity long time care desires.<br />
personal long term care insurance is an awesome way to finance long term care. This brochure will manual you via the crucial manner of choosing the proper long time care coverage coverage. This e-book affords statistics on long time care offerings, what to search for in a long time care coverage coverage, and a glossary of phrases.<br />
locating an excellent policy will take some attempt, but the attempt can be profitable. here are some steps to take when considering the selection to buy a long term care coverage policy:<br />
1. talk on your monetary planner or insurance agent approximately whether or not long term care coverage makes sense for you.<br />
2. Ask your monetary consultant to advocate a organization and a policy.<br />
three. test with coverage score offerings to make certain the coverage enterprise you're thinking about is financially cozy.<br />
4. name your country insurance department and ask approximately the enterprise and its document for your nation.<br />
five. make certain your insurance agent is licensed to promote long time care insurance in your kingdom.<br />
6. evaluate all of the details and alternatives of the policy. Do now not depend simply on the advertising and marketing substances or define of insurance.<br />
7. ensure you recognize all of the provisions earlier than you buy any coverage.<br />
8. Ask your coverage agent questions. are looking for guidance from the country coverage fee workplace, the region organisation on getting older, or local senior facilities. talk guidelines with buddies, circle of relatives, and others whose reviews you admire. Take time whilst deciding on a coverage, and don't permit yourself to be compelled into making quick choices. And keep in mind: never pay coins.<br />
The choice to buy long time care coverage isn't a easy one, however thorough research and thoughtful making plans now can provide you and your circle of relatives economic protection for the future, and, most significantly, peace of mind.<br />
Defining long term Care<br />
long term care includes quite a number nursing, social, and rehabilitative offerings for folks who want ongoing help. most people in long term care facilities are older, but many younger human beings want long time care throughout an prolonged infection or after an twist of fate.<br />
assistance with habitual private needs including bathing, dressing, ingesting, toileting, and taking remedy is the maximum common long term care service. long time care facilities also offer professional nursing and rehabilitative care, which is ordered via a physician and supervised by means of skilled medical employees inclusive of a nurse or certified therapist.<br />
long time Care is offered In an expansion Of Settings<br />
Nursing centers are the number one settings for folks who require medical care daily or intermittently. You must have a health practitioner specify wished services in a written remedy plan for admission to a nursing facility. Many nursing facility stays are quick periods of recuperation from an acute clinical episode consisting of a hip fracture or surgical operation.<br />
Assisted residing facilities or residential care centers provide wellknown supervision, housekeeping offerings, scientific tracking, and deliberate social, leisure, and spiritual activities for individuals who are nevertheless unbiased and ambulatory. Assisted residing centers do now not offer medical care.<br />
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Facility care offerings consist of professional nursing care, speech, physical, or occupational remedy, facility fitness aides, or assist from facilitymakers. occasionally, family individuals, or caregivers, provide most of the care with the help of facility aides and skilled professionals.<br />
adult day care offerings are to be had in many communities, providing personal care, skilled care, and leisure services.<br />
financial issues And long time Care<br />
The fee of long time care varies via the extent of care wished, the setting wherein the care is provided, and geographic vicinity. Nursing centers, assisted dwelling centers, and facility care offerings offer exclusive stages of care to different resident populations; consequently, charges are not similar.<br />
On average, spherical-the-clock long time care services in a nursing facility cost $40,000 according to 12 months, or $112 according to day.<br />
Assisted residing costs range dramatically—everywhere from $900 to $3000 per month depending on room size, amenities provided, and services required.<br />
Facility care, if wanted daily, also may be pretty high priced. In 1996, a mean facility care visit from a registered nurse (RN) value $ninety nine. RN visits for facility care normally do now not exceed 2-four hours according to day, so care isn't always round-the-clock.<br />
8 hours of person day care can price a median of $45 per day.<br />
<img alt="Image result for long term care insurance" src="https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcQVMBJl9vOBDdClS-VUubAJmA5QUVQQvB6jacbmlQbbZ4R7fiRKYQ" /><br />
Nursing Facility Care: about one 1/3 of the costs of nursing facility care are paid directly by way of individuals and their families. two authorities programs can also pay for a number of your care.<br />
Medicare, a medical health insurance program for people age 65 or older, only covers professional facility care and as much as 100 days of professional care in a nursing facility in case you are admitted after a 3-day hospitalization (no longer required if you are an HMO member) and your physician prescribes skilled care in your remedy plan. Many human beings suppose that Medicare is the number one payor of nursing facility stays, but Medicare money owed for most effective 9 percent of nursing facility expenditures.<br />
Medicaid, a software for the terrible, pays for about 52 percentage of the country's nursing facility care, however most effective for people who have spent nearly all their belongings and grow to be impoverished. due to loss of making plans for long time care, Medicaid is the supply of price for almost 70 percentage of human beings in nursing centers!<br />
unless you've got long term care coverage, qualify below limited situations for Medicare insurance, or grow to be poor, you will pay from your savings for nursing facility services.<br />
Assisted dwelling: about ninety percentage of the state's assisted dwelling services are paid for with personal finances. The Supplemental safety profits, Older americans Act, and Social offerings Block provide programs pay for a few assisted dwelling services, at the same time as about one-5th of the states allow the federal Medicaid software to pay for some service additives.<br />
Facility Care: private finances pay for about 46 percentage of facility care prices; Medicare covers 32 percentage; Medicaid, 22 percentage.<br />
grownup Day Care: There are a few out-of-pocket prices for person day care; however, most people of funding comes from public sources either the kingdom exclusively, or, in a few states, Medicare and Medicaid. personal donations from groups and charitable organizations such as the United manner also complement the prices of adult day care.<br />
whilst to shop for long term Care insurance<br />
due to the fact long time care insurance charges are based on age on the time of purchase, the younger you're whilst you buy a coverage, the less expensive the annual premium. those premiums for most rules live degree each 12 months as you age. in case you buy at age 55 a policy that fee $800 according to yr, you'll preserve to pay the same premium. but, if you wait until you are sixty five, the equal coverage will fee you $1,700 in line with yr.<br />
What To search for In A policy<br />
<img alt="Image result for long term care insurance" src="https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSgEUeo0hYt5OpSsa1lcGUu0vXMfV5l1a-tAAxWWecq9n-WOEUh" /><br />
The satisfactory policy for you depends on numerous elements, inclusive of your own family association, your monetary state of affairs, your alternatives regarding long term care selections, and the level of danger you're willing to accept. there may be no one first-class company or one first-rate policy for absolutely everyone. You ought to pick out a policy that meets your wishes.<br />
before you buy a policy, ensure you realize the product you're shopping for and from whom you are buying it. make certain your agent is certified to sell coverage in your nation and has acquired particular education on long time care insurance. seek advice from buddies, customer guides, and data out of your kingdom's coverage counseling program or nearby organisation on growing older.<br />
<br />Adelugba kayodrhttp://www.blogger.com/profile/11360593402914441379noreply@blogger.com0tag:blogger.com,1999:blog-8836536621694738249.post-36481193277070328952018-12-01T22:21:00.001-08:002018-12-01T22:58:54.828-08:00What you want to realize about insurance word count:Getting an coverage is one of those ‘life’ requirements that you have to be searching into early to your profession, especially now when you are.<br />
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Getting an coverage is one of these ‘lifestyles’ necessities that you need to be searching into early to your profession, specifically now when you are nonetheless able to work and earn cash. similarly to being better capable of pay for the coverage, younger individuals also pay much less. this is one of the ideas of insurance. for the reason that younger people are less possibly to die, they are given cheaper costs in comparison to older people.<br />
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coverage shield financially you and your family in the destiny. depending on the kind of coverage that you'll choose to get, insurance can even provide to your health worries, on your retirement or even on your demise and burial.<br />
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but while it's miles essential that we're protected in opposition to any surprising eventualities, some people still shy away of availing insurance on their personal, preferring their companies to do it for them. Like felony subjects, all those insurance mumbo jumbo generally tend to confuse and sometimes even frighten humans.<br />
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right here are some of he frequently asked questions on insurance.<br />
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What are the sorts of coverage?<br />
There are two essential sorts of insurance. The life and the non-life insurance. The existence coverage, as the name indicates, protects the circle of relatives of the person in case something happens to him. when someone who is insured dies, the money that he insured could be given to the beneficiary that he has chosen.<br />
The non-life insurance is an insurance that protects properties. under this category, there are several differing types. There car insurances, which protect vehicles from wreckage in case of accidents; property insurance, which protects residences especially houses from hearth and other varieties of destruction; deposit coverage, which most banks have in order to protect their depositors from losing their money in case the financial institution suffers financial setbacks; and medical insurance, which helps in masking for clinical and health facility prices. many of the numerous non-life insurance, the maximum popular is the health and vehicle coverage.<br />
some insurance additionally provide for the future. a number of the insurances are retirement plans and dying plans, which covers for burial expenses.<br />
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what is the distinction between a premium and a face quantity?<br />
top class refers to the quantity that you need to pay every yr for the coverage. a few coverage organizations additionally provide to divide the premium into monthly installments to help their clients. The face quantity alternatively is the amount that you have insured your self into. as an example, if the face quantity to your coverage is about at $500,000, then your beneficiary will get hold of $500,000 while you die.<br />
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What do you imply by using double indemnity?<br />
some insurance coverage offer an unintended clause that could double the face quantity in case dying has been set up as unintended. this is completed to defend the insured’s family in case of an untimely death. Double indemnity way that the face quantity can be doubled whilst demise is accidental.<br />
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Is the beneficiary continually the criminal partner?<br />
No. contrary to popular opinion, it isn't always the spouse who is the beneficiary. it's far up to the individual to pick, who he names as beneficiary. it may be any family member as long as insurable hobby is established. If in case, the youngsters are named beneficiaries and are still no longer in criminal a long time, a ardian could be named to count on manipulate of the money for them.<br />
<br />Adelugba kayodrhttp://www.blogger.com/profile/11360593402914441379noreply@blogger.com0tag:blogger.com,1999:blog-8836536621694738249.post-81872549547327123922018-12-01T22:05:00.000-08:002018-12-01T22:59:51.154-08:00Why ought to You keep round for auto insurance?How do you realize if what you are paying on your coverage is a good deal? What is a great deal? Is selecting the most inexpensive company the high-quality way to move?<br />
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Does shopping for from the most high-priced employer imply you are shopping for the satisfactory coverage? generally, a good buy is a state of thoughts.<br />
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so long as you're glad, with the amount of insurance, you have got and how much you paid for it, you got a bargain. For each person, the amount of insurance they need and what they could afford to spend is mostly a special amount.<br />
the principle purpose drivers overpay on their insurance is they do not shop around. CarInsurance.com gives an clean way to shop around. They do compare the pricing of several automobile insurance quotes. knowing how a great deal coverage you need will help you pick an insurance employer. that is one of the first-class ways for purchasers to maximise what they get for his or her coverage premiums.<br />
insurance is a exceptionally aggressive commercial enterprise. There are hundreds of insurers providing regulations to purchasers. each consumer's goal should be to discover a financially solid enterprise that offers a honest price together with superior customer support. How do you recognize which employer can provide one of these mixture of each proper pricing and customer service? One manner is to speakme to pals, family, and business buddies. Ask humans you realize and respect what insurance enterprise they use. Ask if they're thrilled with how their enterprise handles claims.<br />
The coverage enterprise is tremendously regulated. it's far vital to do commercial enterprise with a corporation that is certified by means of the nation in that you live. any other aspect of the strength a business enterprise has is its A.M. first-class agency score. You need to be relaxed understanding that within the occasion of a claim your organisation can be there for you. A.M. first-class organisation is the industry leader imparting ratings and monetary statistics for coverage businesses.<br />
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How do you already know what to anticipate out of your insurance enterprise? Your insurance organization and its representatives need to be capable of solution your questions. They must be able to help you decide what coverage and limits you need to bring primarily based in your wishes. They have to take care of any claims pretty, effectively and fast. You must sense secure with both the insurance enterprise which you pick out and the coverage agent or organization consultant that you may be working with. Your coverage expert should make the effort to recognize your coverage needs and answer all your inquiries to your satisfaction.<br />
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now could be the time on your palms to punch their manner to a quick charge analysis and consider the scores at the identical time.Adelugba kayodrhttp://www.blogger.com/profile/11360593402914441379noreply@blogger.com0tag:blogger.com,1999:blog-8836536621694738249.post-21165319266294794622018-12-01T21:44:00.001-08:002018-12-01T23:06:48.987-08:00Your Auto Insurance Company For Extra Money?Source of very valuable information relating to practically any auto insurance company
Most people, once they have an auto insurance company, simply just let their current policy renew and renew without checking to see if maybe they can get a better deal somewhere else. If that describes you, maybe you would look into exploring your options if you knew how and painless it really is.<br />
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This article will show you just how easy the process is.
Shopping for a new auto insurance company
The easiest and quickest and as a result the most painless way to shop for auto insurance is to go on the internet. Many companies can give you quotes 24/7 on their websites. You can also get contact information for a particular auto insurance company on their site and call them up on the telephone. When considering switching companies, the first thing to do is to get comparison rate quotes from several
companies.
You do want to be very truthful about all your information so that you can get accurate quotes. The company will find out about any accidents, claims or traffic tickets anyway, so don't try to hide anything. Also, when you get comparison rate quotes, make sure you compare the coverage you have with your current auto insurance company to what is available with any new company so that you can make a comparison that makes sense.
How to switch
Once you have found a new auto insurance company and purchased your new policy you must cancel your old policy. If you don't cancel your old policy the old auto insurance company could assume you wished to continue your insurance with them. They would be expecting to receive premiums from you. When they don't receive those premiums they would eventually cancel your policy due to unpaid premiums and report your lack of coverage to the Department of Motor Vehicles of your state. This could affect your credit and your ability to get a new auto insurance policy.
Canceling your old policy is easy.
Usually, all you need to do is to inform your old auto insurance company in writing, telling them when you would like the policy cancelled. They will then send you a form to sign and return, which in effect will cancel your policy.
One thing to note
Do not cancel your policy from your old auto insurance company until the insurance is actually in effect with the new insurer. This way you avoid any lapse in coverage. However, nowadays there is little chance of that happening. Most states require all drivers to carry a minimum amount of
insurance and your old auto insurance company will probably require you to show proof of insurance before they will cancel an active policy.
When you switch is very important
The best time to switch to a new auto insurance company is when the current policy is about to expire. When you receive your policy renewal notice from your current auto insurance company is the best time to switch. This is usually about a month before the current policy is actually going to expire. It is during this period when you can switch insurers without incurring any fees or penalties.
Also, because it is so close to the end of the policy term you would avoid trying to figure out the amount of unused premium that you are due from your old auto insurance company. You also avoid arguing with your insurance agent about exactly when you cancelled and how much the auto
insurance company owes you.
But yes, you can cancel outside of the 30 day period
If after taking into account the fee or penalty you may have to pay you may find that you still would get appreciable savings.<br />
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So, while it is best you switch within that 30 day renewal period, you can actually cancel at any time.
Are you ready?
That's all there is to it. Just think of all that extra money that could be coming your way if you follow these simple guidelines.
most people, when they have an car insurance company, truely just permit their modern-day coverage renew and renew with out checking to look if maybe they can get a better deal some place else. If that describes you, perhaps you'll check out exploring your alternatives if you knew how and painless it honestly is. this article will show you just how smooth the method is.
shopping for a brand new car coverage company
the easiest and fastest and as a result the maximum painless manner to shop for vehicle insurance is to head on the internet. Many businesses can provide you with rates 24/7 on their websites. you may additionally get contact statistics for a specific vehicle coverage company on their web page and phone them up at the cellphone. while thinking about switching organizations, the primary component to do is to get evaluation charge costs from numerous
businesses.
You do want to be very honest about all of your statistics so that you can get accurate fees. The business enterprise will locate out about any accidents, claims or traffic tickets besides, so don't attempt to conceal something. also, while you get contrast charge rates, make certain you examine the insurance you've got with your modern car coverage company to what's available with any new employer so that you could make a contrast that makes feel.
how to switch
once you have got determined a brand new vehicle insurance employer and purchased your new policy you need to cancel your old coverage. if you don't cancel your vintage coverage the vintage car insurance enterprise should anticipate you wished to retain your coverage with them. They might expect to get hold of rates from you. after they don't receive the ones charges they could subsequently cancel your coverage because of unpaid premiums and document your lack of coverage to the department of Motor motors of your country. this could affect your credit and your capacity to get a new car coverage policy.
Canceling your old policy is straightforward.
normally, all you need to do is to inform your vintage auto insurance company in writing, telling them whilst you would really like the policy cancelled. they will then send you a shape to signal and return, which in impact will cancel your policy.
One factor to be aware
Do no longer cancel your policy from your antique car insurance business enterprise till the insurance is surely in impact with the new insurer. This manner you avoid any lapse in insurance. but, these days there may be little hazard of that occurring. most states require all drivers to carry a minimal quantity of
coverage and your antique automobile insurance employer will possibly require you to show proof of insurance before they'll cancel an energetic policy.
when you turn could be very vital
The excellent time to replace to a brand new auto insurance organisation is while the modern policy is ready to expire. when you get hold of your coverage renewal word from your modern-day automobile coverage business enterprise is the best time to switch. this is typically about a month earlier than the modern policy is really going to expire. it is for the duration of this period while you could switch insurers without incurring any expenses or penalties.
additionally, due to the fact it is so close to the end of the coverage time period you would keep away from trying to figure out the amount of unused premium which you are due from your vintage vehicle coverage corporation.<br />
<img alt="Image result for insurance for extra money" src="https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcTpV37rCenppW2cyx6lGoXoczI4eHXiGL4iBKfNc3Io5lZwkzTThQ" /><br />
you furthermore mght avoid arguing together with your coverage agent approximately precisely whilst you cancelled and what sort of the auto
coverage organization owes you.
however yes, you could cancel out of doors of the 30 day period
If after considering the rate or penalty you could should pay you could discover which you nonetheless would get appreciable financial savings. So, even as it's miles quality you turn within that 30 day renewal period, you can truly cancel at any time.
Are you geared up?
it is all there may be to it. simply consider all that extra cash that might be coming your way if you observe these easy tips.Adelugba kayodrhttp://www.blogger.com/profile/11360593402914441379noreply@blogger.com0tag:blogger.com,1999:blog-8836536621694738249.post-50199189558666679712018-07-03T07:10:00.000-07:002018-12-01T22:53:11.001-08:00Travel Insurance – do I need insurance for a holiday in the UK?<br />
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Don't assume that Travel Insurance for a holiday in the UK is a waste of time. It can make sense - but buy online for a bargain.<br />
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Last week my wife and I booked a two center holiday in the Scottish Isles. Seven days on Skye and then a ferry over to Steornabhagh for a further seven days on the Isle of Lewis. Wonderful scenery, plenty of walks and masses of peace and quiet. </div>
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You could have blown me over when my local travel agent assumed that I wanted travel insurance for an additional £27.50. Not on your Nellie the Loch Ness monster, I thought. Who needs travel insurance for a holiday in Britain? The National Health Service is free and in an emergency, my son could drive up and bring us home. </div>
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<img alt="Image result for travel insurance" 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" /></div>
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Later in the relaxing setting of my sitting room, I got to thinking …</div>
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Holiday misfortunes don't only happen abroad. So with my pessimistic hat on, I made a note of the risks: </div>
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Some rotter might steal our luggage </div>
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Last week I bought an all singing and dancing digital camera, especially for the trip. Got it on the Internet. I might lose it whilst away. </div>
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If either of us was hospitalized we wouldn't want to be marooned on Skye. We'd want to transfer to our local hospital in Warwickshire. </div>
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My wife's parents are getting on. God forbid, but I'd have to cancel the holiday if something happened to them just before we're due to go.
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One of us could be taken ill before we depart and we'd be forced to cancel. As the ferries and the hotels were non-cancellable, we'd lose everything we'd paid. </div>
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There may be a major delay at the ferry going over to the Isle of Lewis. Besides the inconvenience, we have to arrange an extra overnight stay on Skye. </div>
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One of us might be called up for jury service. </div>
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<img alt="Image result for travel insurance" 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" /></div>
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Then it struck me. If I were holidaying in Britain, my existing Home and Contents policy might cover me for loss of my camera or luggage. I dug out the policy document. Lucky I did. I was only insured for “personal possessions” if they were listed and as I'd just bought my digital camera I hadn't got round to listing it as a valuable item on my policy. </div>
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Another aspect struck me. I'd lose my no claims discount if I made a holiday-related claim on my Home & Contents policy. That wouldn't be a good idea. I've got a ten year claims free record that policy and it still cost me £310 a year. I jotted down another note – remember, when the policy comes up for renewal, see if I could get it cheaper on the Internet. </div>
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By now a travel policy at £27.50 for was looking worthwhile after all. </div>
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Now my wife says I'm a bit of an old skinflint. So keep up the image! I know, get back online and check out the travel agents' policy at £27.50. Is it competitive?<br />
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<img alt="Image result for travel insurance" src="https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcTURR_J-7NfrMu78qa-G_V-vtMKAZvMNO8dtPZ0tj1tN5IQqZRJXw" /></div>
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Not all the websites I surfed could offer me a single trip travel policy for a holiday within the UK but within ten minutes I'd found what I wanted - and a saving of over £10! </div>
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<script async="" src="//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script>
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Time to study the small print to confirm I had the cover I wanted. Great, all the risks I had noted were covered. The insurer would even pay out £30 if my ferry was delayed for up to 12 hours and then give me the option to cancel my trip to the Isle of Lewis and get my money back.
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Now, what wouldn't they pay for? I wasn't covered if my holiday was for less than two nights or my hotel was less than 25 miles away from home. I also had to meet the first £30 of any claim. Seemed fair to me. </div>
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The decision was made. Simply type in my credit card details and I was insured in a CLICK. </div>
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Peace of mind restored!</div>
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Adelugba kayodrhttp://www.blogger.com/profile/11360593402914441379noreply@blogger.com0tag:blogger.com,1999:blog-8836536621694738249.post-2868641593269938122018-07-03T07:05:00.001-07:002018-11-28T05:10:05.071-08:00Tough Economy? Don't Waste Money on Health Insurance<script async="" src="//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script>
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Health Insurance is imperative for your daily savings and expenses. One can fall ill at any unexpected time, causing misery and most importantly, if you are not covered by any health insurance policy, it can prove to be quite expensive on the pocket.<br />
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<img alt="Image result for health insurance" src="https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSV34iZgu2bM77rK0dJ0tzbVvG00oY9eNnkTFcMKn1ruhiKH88I" /></div>
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Health Insurance is imperative for your daily savings and expenses. One can fall ill at any unexpected time, causing misery and most importantly, if you are not covered by any health insurance policy, it can prove to be quite expensive on the pocket. The economy is bad these days. Every penny saved goes towards your savings and can help you better prepare for your future. </div>
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If ever a situation arises where you are compelled to spend this money, especially for health reasons, it can surely upset your balance. Lowering your expenses is highly important. One of the easiest ways to save money is by getting an insurance package to protect yourself and your family in times of need.</div>
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Most people often find it expensive to opt for a health insurance. They are of the notion that they would rather spend this money if ever any health issue arises. If you are an average ordinary person, consider a time in a month where you have just paid your monthly bills, had your mortgage settled out, and are just satisfied with the way things have turned out. </div>
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But things may go wrong if you fall ill all of a sudden. Remember, we set apart an amount of money for all of our expenses except for health-related issues. It is not uncommon. People tend to save money on literally everything but just couldn’t afford to save a few hundred dollars for their own health.</div>
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<img alt="Image result for health insurance" 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" 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Health Insurance may not be as expensive as one would think. Over the years, various health insurance companies have evolved with interesting health and medical insurance packages that are easier on the pocket, all the while providing top quality service. </div>
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Unlike the previous days, we are provided with an opportunity to compare and select different health insurance and life insurance packages that appeal to us the most. Now for a few hundred dollars a month, you can insure your whole family against unpredictable circumstances and provide them with quality treatment facilities. Compare this to the actual costs that may be incurred during some serious illness. We are talking about thousands of dollars saved. </div>
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HSA or Health Savings Account is another option of saving money on health insurance. HSA lets you gain the full advantage of health insurance plans, and also provides you with competitive tax benefits. HSA is more like a savings account, where you are required to invest a few hundred dollars monthly. You will get a fixed interest on this money, and the money being invested in HSA is absolutely tax-free. </div>
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Also, there is nothing known as the maturity of the insurance plan, and you can withdraw any amount of money for your medical expenses from your HSA anytime you want. All you will need is to pay off the deficient amount in the subsequent monthly payments. Health Savings Account is just another reason to save money for your extra needs.</div>
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Compare HSA plans that are suitable for you and that is quite affordable to accommodate your daily expenditure and savings. Research is the major part of saving money on insurance. It is always important to look up the various rates and packages of health insurance providers, and they provide you with an easy to use interface to research and select free quotes from some of the top-notch health insurance companies.</div>
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<img alt="Image result for health insurance" 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It would also be worthwhile to keep a regular check and update the health insurance rates of the present day market. You wouldn’t want to end up paying extra, especially at times when the economy requires you to save as much money as possible. For this, you could re-evaluate your insurance rates and packages every six to twelve months, or you can also go in for short duration insurance packages.</div>
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Either way, never ever forget that you have a health insurance package, and take care to avoid any defaults. Insurance companies usually associate a “*” along with their terms and conditions which states that you are supposed to be making payments at prescribed intervals, or you lose all the benefits. Pay your premiums on time and stay protected anytime and anywhere.</div>
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Adelugba kayodrhttp://www.blogger.com/profile/11360593402914441379noreply@blogger.com0tag:blogger.com,1999:blog-8836536621694738249.post-84720161476513805582018-07-03T06:59:00.000-07:002018-11-28T05:18:09.894-08:00Understanding Your Auto Insurance Claim<ins class="adsbygoogle" data-ad-client="ca-pub-4531728877092843" data-ad-format="fluid" data-ad-layout="in-article" data-ad-slot="8307687551" style="display: block; text-align: center;"></ins><script>
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If you are involved in an accident it is important that you know the proper procedure for filing an insurance claim.<br />
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You will most likely need to deal with one or more adjusters who will determine the insurance salvage. Follow these simple tips to make sure you have taken all the necessary steps to collect the correct information and follow the correct procedure.</div>
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Do your self a favor and prepare in advance. Know the laws and the reporting requirements of the state you live in and drive in. Always carry an accident package in your car. It should contain paper, pen, and accident reporting form which are available online free from the DMV.</div>
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If an accident occurs to remain calm and stop your car. If there are injuries do what you can to make the person or persons comfortable. Call the EMT to treat any injured parties and call the police.</div>
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If you smell gas or if the car is on fire clear all persons away from the area. Do not move seriously injured people unless it is a threat to their lives to leave them where they are.</div>
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If the accident is minor and there is only property damage and no injuries, put your hazard lights on and drive both vehicles to a safe location at the side of the road. Set up a flare or reflective triangles in the rear and side of the cars to ensure other motorists are aware of your location.</div>
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Both drivers need to exchange car insurance information. You also need to exchange the names of the drivers, all passengers in the vehicle, and any witnesses. As well as names you should obtain complete addresses and telephone numbers.</div>
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Next, you will need to contact your insurance company and if you feel you need to contact a lawyer now is the time to do so.</div>
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Your car insurance company will need to collect all pertinent information. They will need the year, make, model, and license plate number of the other car. They will also need the driver's name, address, telephone number, date of birth, and his or her driver’s license number as well as the issuing state.</div>
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If the other driver is not insured obtain as much information as you can then notify the police. Both the police and the insurance company will want the full names, addresses, and phone numbers of all witnesses.</div>
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If the police attend the accident scene request a business card from the attending officer that gives his full name and how you might reach him.</div>
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If you have a digital camera handy take plenty of photos. These days many people have a digital camera built right into their cell phone which is very convenient.</div>
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As soon as you are able, write down all details pertaining to the accident. Information such as weather conditions, pavement conditions, visibility, and lightning could all become very important in determining who was at fault.</div>
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You also need to record the estimated speed of both vehicles. As well do a sketch of the accident scene marking the direction each driver was traveling. Make notes of things such as stop signs, traffic lights, other vehicles on the roadway, and any obstacles.</div>
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You should also record all damage to the car and any other property as well as all body injuries no matter how minor they appear.</div>
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Whatever you do, do not discuss who is at fault with the other driver. Insurance companies recommend you do not engage in conversation about fault. Give the police officer an account of the accident but in privacy away from the other driver.</div>
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Remember no one can force you to give details of the accident or admit blame. You always have the right to consult a lawyer before answering any questions.</div>
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Let’s hope you never have to file an insurance claim. But if you are well prepared should an accident occur you will be much more likely to record the necessary information to ensure that your claim proceeds smoothly.</div>
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Adelugba kayodrhttp://www.blogger.com/profile/11360593402914441379noreply@blogger.com0tag:blogger.com,1999:blog-8836536621694738249.post-46312843679141740142018-07-03T06:54:00.002-07:002018-11-28T05:20:17.478-08:00Travel Insurance: Prevention Is Better Than Bills<ins class="adsbygoogle" data-ad-client="ca-pub-4531728877092843" data-ad-format="fluid" data-ad-layout="in-article" data-ad-slot="8307687551" style="display: block; text-align: center;"></ins><script>
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It is really fun going on a holiday trip. You will be so busy strolling around, doing what you do not usually do, like skiing, windsurfing and other activities worth spending your holiday with. The outdoor trip is really fun and entertaining. You are enjoying snowboarding but suddenly you broke your leg. We don’t know when accidents may happen. It is just practical to get a travel insurance plan.<br />
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It is really fun going on a holiday trip. You will be so busy strolling around, doing what you do not usually do, like skiing, windsurfing and other activities worth spending your holiday with. The outdoor trip is really fun and entertaining. You are enjoying snowboarding but suddenly you broke your leg. We don’t know when accidents may happen. It is just practical to get a travel insurance plan.<br />
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Travel insurance plan is a way to minimize the considerable financial risks of traveling. These risks include accidents, illness, and missed flights, canceled tours, lost baggage, emergency evacuation and getting your body home if you die.<br />
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<img alt="Boats, Yacht, Bay, Ship, Water, Sea" src="https://cdn.pixabay.com/photo/2017/09/17/16/35/boats-2758962__340.jpg" /><br />
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Each traveler’s risk and potential loss varies, depending on how much of the trip is prepaid, the kind of air ticket purchased, your state of health, the value of your luggage, where you’re traveling, what medical coverage you already have and the financial health of the tour company or airline. For some, insurance is a good deal; for others, it’s not.<br />
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What are the different types of Travel Insurance?<br />
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1. Interruption insurance and trip cancellations. It covers financial penalties or losses you encounter when you cancel a prepaid tour of flight for an acceptable reason. These might include you and your family members who can’t travel because of sickness.<br />
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It might also include your business partner or airline that goes out of business or can’t perform as promised. It is also possible to cancel if you have a family member who is sick. For a good reason such as a car accident or inclement weather, you miss a flight or need an emergency flight. In other words, if you or your travel partner breaks a leg a few days before your trip, you can both bail out and neither of you will lose a penny.<br />
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And if, a day into your tour, you have an accident, both of you will be flown home and you’ll be reimbursed for the emergency one-way return flight which usually costs far more than your economy round-trip fare and whatever portion of the tour you have not used.<br />
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2. Medical insurance cover medical and dental emergencies. Check your health plan before getting a medical insurance because you may be already covered by it. Search for benefits and deductibles and the procedures for reimbursement of the emergency expenses.<br />
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3. Baggage insurance is included in the most comprehensive policies but is rare to buy separately. This actually the insurance for your items such as jewelry, eyewear, electronics and photographic equipment. If the airline checked your baggage, it is already covered by the airlines. Homeowners’ insurance is cheaper and you’ll have coverage even after your trip.<br />
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<img alt="Road, Road Marking, Street, Miles" src="https://cdn.pixabay.com/photo/2013/07/24/03/33/road-166543__340.jpg" /><br />
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4. Flight insurance is crash coverage, is a statistical rip-off that heirs love. It's basically a life insurance policy that covers you when you're on the airplane. Since plane crashes are so rare, there's little sense in spending money on this insurance.<br />
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5. Comprehensive travel insurance it covers all, airfare, car rentals, tour etc. it depends on your age. This can be a better deal for travelers with less of the trip prepaid because coverage is the same regardless of the premium you pay. Some comprehensive policies also cover collision damage, which allows you to avoid paying your car-rental company for collision damage waiver CDW insurance.<br />
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Never buy travel insurance from companies with no names. Not all insurance companies are licensed. You do not have a case if you claim problems with a licensed company with no license. Most of the licensed insurance companies are open 24 hours.<br />
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Getting travel insurance is as good as securing your family’s health. It is making sure that everyone is properly protected, including the loss of your passport, money or luggage, travel delays, missed departures and incurring legal expenses. It is like you are sure you are having a safe trip.<br />
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Adelugba kayodrhttp://www.blogger.com/profile/11360593402914441379noreply@blogger.com0tag:blogger.com,1999:blog-8836536621694738249.post-81142165178163532382018-07-03T06:50:00.000-07:002018-11-28T05:22:13.406-08:00Travel Insurance – Is It Necessary For A UK-Based Holiday?<ins class="adsbygoogle" data-ad-client="ca-pub-4531728877092843" data-ad-format="fluid" data-ad-layout="in-article" data-ad-slot="8307687551" style="display: block; text-align: center;"></ins><script>
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Just over a month ago, my boyfriend and I decided to visit the beautiful city of Edinburgh for our 5 year anniversary. We live in Dorset, so we didn’t want to spend the whole time traveling. To make the trip easier on ourselves, we decided to fly there and used a travel agent to organize the week-long holiday. Imagine my surprise when I saw an additional £27.50 on the quote for travel insurance! We were only going
to Edinburgh, not Pittsburgh!<br />
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Just over a month ago, my boyfriend and I decided to visit the beautiful city of Edinburgh for our 5 year anniversary. We live in Dorset, so we didn’t want to spend the whole time traveling.<br />
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To make the trip easier on ourselves, we decided to fly there and used a travel agent to organize the week-long holiday. Imagine my surprise when I saw an additional £27.50 on the quote for travel insurance! We were only going to Edinburgh, not Pittsburgh!<br />
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<img alt="Road, Straight, Street, Endless, Asphalt" src="https://cdn.pixabay.com/photo/2018/06/12/01/04/road-3469810__340.jpg" /><br />
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I was offended that they thought we would be so stupid as to get travel insurance for a trip within the UK. They have hospitals in Edinburgh, and it really isn’t very far away. But later on, over a cup of hot chocolate, I put some more thought into it.<br />
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Holiday disasters can happen anywhere, not just abroad - so I made a list of what could feasibly go wrong:<br />
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· One of us could fall ill before we depart, we’d have no choice but to cancel the trip. The flights and the hotel were non-refundable, so we’d have to pay anyway.<br />
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· My Grandfather has been ill lately, if he got suddenly worse then I wouldn’t be able to go on holiday. Again, the trip would have to be canceled.<br />
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· Either of us could be called up for jury service at any time.<br />
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· Flights are delayed and canceled all the time. On top of the inconvenience, we may need to arrange an overnight stay near the airport.<br />
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· Anything could happen to our luggage, airlines lose suitcases all the time.<br />
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· My boyfriend bought me a wonderful digital camera as a present, if I lost it, it would be very expensive to replace.<br />
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Hang on a minute, what about our Home & Contents insurance policy? I bet that would cover us for loss of luggage or my camera as long as I was in the UK. I found the policy and read the small print. No such luck, only ‘personal possessions’ that were listed on the policy counted, so everything in the luggage wouldn’t be covered, and I’d need to make a phone call to get the camera included on the policy.<br />
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I remembered something else – we had over 4 years of no claims discount on our Home & Contents policy. If we had to make a claim, we’d lose the no claims discount. Our premiums would go sky high after that, they were already high enough as it is, at £305 a year. I realized that I really should look for a cheaper Home & Contents policy at the time of renewal, and promised myself to do that in future.<br />
<img alt="Image result for travel insurance policy" 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" 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After the investigations I had made so far, I realized that £27.50 for a travel policy wasn’t actually too bad.<br />
I’ve never been one to rest on my laurels though. I might have decided that travel insurance was a good idea, but it didn’t mean I was willing to accept the price quoted by the travel agent.<br />
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I went online to get some more quotes. The first two or three sites I looked at couldn’t give me what I wanted, but 10 minutes later, I struck gold. I found a single trip travel policy for the UK, and it was a good £10 cheaper than the travel agent’s quote.<br />
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I read the small print, no point signing up without knowing all the facts. I was pleased to see all the points I had listed were covered.<br />
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Now the exclusions – was it all too good to be true after all? Phew – no need to worry. If the holiday was less than 25 miles from our home address, or for less than 2 nights, then we wouldn’t be covered. No problem there. Otherwise, the only downside was that we’d have to pay the £30 if we needed to make a claim. Fair enough.<br />
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Happy with the policy I’d found and with the decision that we did need travel insurance, after all, I bought the travel insurance policy there and then.<br />
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Adelugba kayodrhttp://www.blogger.com/profile/11360593402914441379noreply@blogger.com0tag:blogger.com,1999:blog-8836536621694738249.post-59653157964005948352018-07-02T20:47:00.002-07:002018-11-28T05:23:38.106-08:00Online Car Insurance Businesses: Buying Through The Internet<script async="" src="//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script>
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Nowadays, insurance has become a necessity in life. Why?<br />
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Imagine your house being blown to pieces by a hurricane. Grasp in your mind that you were involved in an accident and requires hospitalization or expensive surgery. Think what will happen if your parked car was smashed into bits by a ten-wheeler truck.<br />
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Who would pay for these damages? If you have a relatively low income, you cannot afford to pay for all of these alone. These kinds of disasters, man-made or cause...<br />
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Nowadays, insurance has become a necessity in life. Why?</div>
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Imagine your house being blown to pieces by a hurricane. Grasp in your mind that you were involved in an accident and requires hospitalization or expensive surgery. Think what will happen if your parked car was smashed into bits by a ten-wheeler truck. </div>
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<img alt="Ford, Mustang, V8, 67, Ford Mustang" src="https://cdn.pixabay.com/photo/2017/09/01/20/23/ford-2705402__340.jpg" /></div>
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Who would pay for these damages? If you have a relatively low income, you cannot afford to pay for all of these alone. These kinds of disasters, man-made or caused by nature, can cause financial ruin or bankruptcy to people. </div>
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So how will you deal with these unforeseen accidents without spending too much money?</div>
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The answer to that question would be insurance.</div>
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It is a fact that our lives and properties are always in danger in every single day of our lives. Whether it is caused by nature or by man, disaster is always lurking around the corner waiting to strike. </div>
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The point is that no man’s life is perfect and we do not know what the future will bring us. How do we prepare for such disasters? We prepare our security by buying insurance.</div>
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Many people buy insurance to ensure them security with their lives and property. It is a fact that buying insurance is practical nowadays and could save you from financial and emotional frustration.</div>
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There are many kinds of insurances. There is insurance for homes, businesses, health, automobiles etc. Each offers the same basic principle; they all promise reimbursements in the case of loss. Insurance is a form of risk management, usually to help people in case of financial loss.</div>
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One of the most commonly purchased insurance is the automobile insurance or car insurance. </div>
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Who wouldn’t buy car insurance? We all know how expensive these machines can be. Many people invest a large amount of money to their cars. No person wants to lose his or her investment easily</div>
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You may probably say a crazy one. Car insurance companies usually cover some or all damage expenses in an event that your car is involved in an accident or stolen.</div>
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The car insurance businesses is now getting bigger and are now expanding their services to keep up with competitors. Some car insurance businesses are now offering their services through the internet. </div>
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It is now possible for people to shop for car insurance on the internet. What this means is that people can now shop for car insurance right in the comforts of their home. It also means wider means an opportunity to choose the best and applicable car insurance for your own unique situation.</div>
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The first thing you have to consider when buying car insurance online is the price. Prices are different by the company, and it is wise that you first compare prices before you buy a policy. </div>
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Also remember that the price of car insurance policy vary depending on what kind of car you own, for example; insurance policies usually cost more if you own a sports car than your average family car.</div>
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Another way to get an idea of how much your car insurance policy will cost is the area you live in. If you live in an area where accidents and auto theft are high, you will get a higher cost of insurance policy. </div>
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The price can also be affected by your driving record, if you have a police record that states that you have been involved in several automobile accidents, car insurance companies usually give you a high priced policy and some will reject your application for car insurance.</div>
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Also, always remember that the more often you drive the more you are exposed to accidents. Therefore, insurance policies will cost more. </div>
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To apply for a car insurance policy online, you will need the following:</div>
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• Driver’s License – to rate every resident that lives in the same household on the policy.</div>
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• Insurance Declarations Page – This document contains all the information about the policy that you need for the online quoting website. Every time you renew your policy, this document will be mailed to you.</div>
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• Car Registration Card – This provides the vehicle identification number. It will also include the safety features installed in your vehicle. Safety feature will give you a discount.</div>
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If you plan to buy car insurance policy, always remember that you should buy an insurance policy suitable for your needs and not one that will cost you your life savings.</div>
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Adelugba kayodrhttp://www.blogger.com/profile/11360593402914441379noreply@blogger.com0tag:blogger.com,1999:blog-8836536621694738249.post-17272293666715854792018-07-02T20:43:00.001-07:002018-11-28T05:27:25.368-08:00Providing Hope for the Uninsured: New Plans for Solving the Healthcare Crisis<script async src="//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script>
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Perhaps there is hope for fixing the healthcare crisis after all. Hillary Rodham Clinton, author of a failed attempt to overhaul health care in the 90s, and Newt Gingrich, engineer of the 90’s Republican Revolution largely brought on by Clinton’s failed attempt, sat down together recently at a National Press Club session entitled “Ceasefire on Health Care” to discuss what they just might agree on.<br />
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Perhaps there is hope for fixing the healthcare crisis after all. Hillary Rodham Clinton, author of a failed attempt to overhaul health care in the 90s, and Newt Gingrich, engineer of the 90’s Republican Revolution largely brought on by Clinton’s failed attempt, sat down together recently at a National Press Club session entitled “Ceasefire on Health Care” to discuss what they just might agree on.</div>
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And they did agree indeed on several issues including, much to the surprise of some, Gingrich’s proposal to “voucherize” Medicaid. "There is enough money in the system right now to cover the uninsured," said Clinton. It’s not that the meeting was that earth-shattering, but perhaps it is a sign of a growing trend to piecemeal fixes to the healthcare crisis rather than starting from scratch.</div>
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That we are and have been, in a healthcare crisis is clear when you consider that over 44 million Americans have no insurance of any type. The reason for most is that they simply cannot afford any kind of coverage. Attempts to provide universal coverage or cause significant changes through federal mandates have failed. </div>
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According to the Bush administration, the solution would be moving health care toward new association-based health plans, including HSAs (Health Savings Accounts) and consumer-driven health plans. “To make insurance more affordable, Congress must act to address rapidly rising health care costs,” says President George W. Bush. “Small businesses should be able to band together and negotiate for lower insurance rates so they can cover more workers with health insurance—I urge you to pass association health plans.” </div>
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The use of association-based health plans is finally starting to catch on. These plans offer solutions for those who previously thought themselves to be “uninsurable.” A small but increasing number of people are taking a look at these affordable plans.</div>
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One of the newer and more popular plans, the USA+ Guaranteed Acceptance Plan, includes a myriad of choices and benefits for its members. Membership in the plan allows members access to hospital indemnity benefits, prescription benefits, and disability benefits. It also carries provisions for medical, dental, accident, and vision care. It even includes several lifestyle benefits including roadside service, travel benefits, and discounts on shopping, dining, and movies.</div>
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“The USA+ Guaranteed Acceptance Plan is a product whose time has come,” says Richard J. Monello, President, and CEO of Custom Health Plans, Inc. His company is a leader in providing the new product recently made available. “It is a true blanket guaranteed acceptance benefit package,” adds Monello. “The best thing is that everyone is accepted, even those with pre-existing conditions.” </div>
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These new health plans, in addition to being great for consumers, are also beneficial for agents and brokers. “For those agents looking to strengthen their portfolio and provide healthcare coverage to the uninsurable, the USA+ Guaranteed Acceptance Health Plan is truly a first-of-it’s kind product,” says Jason A. Milz, Executive Vice-President of Custom Health Plans, Inc. “At last, there is a product that will address their growing databases of uninsured Americans and that will pay them a level commission for the life of the plan.” </div>
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Monello’s company, Custom Health Plans, offers several different membership packages with different types and levels of benefits. “Finally, there is a solution for the 44 million uninsurable Americans who have no other options,” says Monello.</div>
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Adelugba kayodrhttp://www.blogger.com/profile/11360593402914441379noreply@blogger.com0tag:blogger.com,1999:blog-8836536621694738249.post-43234050605775566682018-07-02T20:38:00.001-07:002018-11-28T05:29:51.592-08:00Pet Insurance. Warning: A Visit To Your Vet Can Severely Damage Your Wealth.<script async="" src="//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script>
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The Chinese year of the dog started last January. And according to Chinese tradition, anyone born in the following year will be honest and loyal. They also aren't much concerned about wealth. This could help to explain why there are 5.2 million homes owning dogs without pet insurance cover. As many will have discovered to their cost, they're leaving themselves exposed to enormous veterinary bills.<br />
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The average cost of treating a dog following a road accident is £379.<br />
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The Chinese year of the dog started last January. And according to Chinese tradition, anyone born in the following year will be honest and loyal. They also aren't much concerned about wealth. This could help to explain why there are 5.2 million homes owning dogs without pet insurance cover. As many will have discovered to their cost, they're leaving themselves exposed to enormous veterinary bills.<br />
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The average cost of treating a dog following a road accident is £379 and the cost of just a scan could exceed £1,000. And as Veterinary science becomes more advanced with breakthroughs in medicine and surgery, the cost of owning a dog can potentially increase.<br />
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There are no National Health Service pets and if your dog is ill, detailed diagnostic tests, surgery, medication, and care can mean an unexpected shock to your pocket. Studies have shown that on average, an insured pet owner makes a claim every three years.<br />
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But do take care. Pet insurance policies vary widely in terms of their cover, the excess you have to pay, the maximum costs that can be reclaimed each year and various exclusions.<br />
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So when you're on the net shopping for pet insurance, it's important to swot up on the small print. Don't automatically fall for the cheapest. Cheap premiums customarily reflect limited cover. For example, not all insurers will cover your pet for life. This means that if your dog's problem requires ongoing treatment, then cover ceases at the twelve-month stage.<br />
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Take Sheila Follows' spaniel, Bonny. Seven years ago Sheila wisely took out insurance cover for Bonny as soon as Bonny joined the family as a pup. All was well until the first spring. Then, Bonny developed a skin allergy and later that year a hip problem. Treatment has been ongoing ever since requiring regular visits to the local vet.<br />
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Sheila says,” Bonny has to have a special diet and regular injections to control her allergies. The bill from my vet is usually between £375 and £450 per month so my decision seven years ago to take out insurance proved to be one of my best investments. My insurance premium is just £15 per month and I'm not sure what we'd do if we weren't insured!”<br />
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Sheila's policy is a Budget policy issued by Pet Plan and covers lifetime conditions for up to £4,000 each year. Pet Plan also have two other pet schemes – their Standard Policy will pay out up to £6,000 per year and their Supreme Plan provides unlimited cover. So you can see that even within the same insurance provider, you can be faced with several policies to choose from.<br />
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So there are lots of choices. Some policies even provide protection for kennel fees, or boarding fees if you become ill or even pay your cancellation fee for your holiday if your pet becomes ill before you travel.<br />
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Our advice is to look at several pet insurance websites. Better still, print off their schedule of benefits and terms and conditions. Then spend forty minutes comparing their premiums and look closely at what you'll get for your money. We know it'll be a bore but a little extra effort now will be rewarded with a great deal and your peace of mind.<br />
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And if your dog could talk, he'd say thanks too. But perhaps a big lick will do!<br />
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If you receive either Council Tax benefit or Housing Benefit, the People's Dispensary for Sick Animals (PDSA) will provide veterinary treatment free of charge.<br />
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At the moment there are some 5.8 million households that fulfill these eligibility conditions with just over 7 out of ten of homes served by either a PDSA PetAid practice or a PetAid Hospital.<br />
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There are 328 PetAid practices and 4 PetAid branches plus 43 PetAid Hospitals.<br />
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Adelugba kayodrhttp://www.blogger.com/profile/11360593402914441379noreply@blogger.com0tag:blogger.com,1999:blog-8836536621694738249.post-17264526167541079962018-07-02T20:32:00.001-07:002018-11-28T05:31:58.116-08:00Save money on your auto insurance: Money-saving car insurance tips<script async="" src="//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script>
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Are you paying too much for your auto insurance? If you believe you are paying too much for your current auto insurance coverage then the following suggestions may help you save money:<br />
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Are you paying too much for your auto insurance? If you believe you are paying too much for your current auto insurance coverage then the following suggestions may help you save money:</div>
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1. Shop around</div>
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Sure, you’ve read this tip everywhere but it’s true. Only by shopping around for auto insurance coverage and getting quotes on premiums from several insurance companies will you be able to know for certain you are getting your car insurance coverage at the best available rate.</div>
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When shopping for your auto insurance policy, remember to compare more than insurance rates. Ask about how insurance claims are approved and processed, and how quickly they’re paid. Look into each insurers’ financial stability (there are independent rating services that can help you with this.) Remember, during times of stress like after an accident you will be dealing with the insurance company and you’ll want to make sure you’ll be helped when you need it most.</div>
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2. Select a higher insurance deductible</div>
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When you file a claim, a deductible is an amount you pay first before your insurer pays the remaining balance. Often people select lower deductibles, so when they have to submit a claim, their out-of-pocket expenses are minimal. But the truth is the higher your collision and comprehensive deductibles the lower your auto insurance premium. The savings by increasing your deductible to say $1,000 from $250 are significant—you can save hundreds of dollars off your insurance premium.</div>
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Of course, the flipside is that if you should have to submit an insurance claim you are responsible for paying the deductible. So select the maximum deductible you can afford to pay—the higher the better because the difference in your car insurance premiums will mean more cash in your pocket.</div>
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3. Remove or reduce coverage on older vehicles</div>
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If your car is getting up there in age, you may want to think about dropping the collision or comprehensive coverage (or both) on your policy. You need to think about this one though - it's not always a clear-cut decision. You need to weigh the cost of the two coverages with the value of your car and your chosen deductibles. For example, if you had a 10-year-old car that’s worth about $1000, and your deductible was $1000, the coverage is not actually going to help you.</div>
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4. Ask about discounts</div>
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Most insurance companies offer discounts. While the availability of discounts will vary depending on your insurer, where you live and whether you meet eligibility, make sure to ask if there are any discounts you can take advantage of. The following is a list of a few of the more common discounts (if available in your state, each insurer will have different eligibility requirements): </div>
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•<span style="white-space: pre;"> </span>Multi-vehicle discount - available if you insure multiple vehicles with the same insurer </div>
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•<span style="white-space: pre;"> </span>Multi-line discount - available if you insure your home and auto with the same insurer </div>
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•<span style="white-space: pre;"> </span>Good driver discount - if you have not had an accident or ticket in a long time </div>
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•<span style="white-space: pre;"> </span>Good student discount - if you’re a student with good grades, usually about a B average </div>
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•<span style="white-space: pre;"> </span>Safe driver discount - if you’ve taken and passed an accredited driver safety course </div>
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•<span style="white-space: pre;"> </span>Anti-theft discount - if your vehicle has certain anti-theft devices installed </div>
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•<span style="white-space: pre;"> </span>Safe vehicle discount - if your vehicle has certain extra safety features </div>
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•<span style="white-space: pre;"> </span>Retiree discount - if you’ve reached a certain age, usually 50 or 55 </div>
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•<span style="white-space: pre;"> </span>Low mileage discount - if your vehicle is not driven often </div>
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•<span style="white-space: pre;"> </span>Occupational discount - if you work in a certain field or hold a certain degree </div>
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•<span style="white-space: pre;"> </span>Auto club discount - if you are a member of an auto club, like AAA </div>
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•<span style="white-space: pre;"> </span>Association discount - if you belong to certain associations, like your alma mater </div>
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•<span style="white-space: pre;"> </span>Away-at-school discount – if your child is attending school out of town </div>
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5. Choose a car that costs less to insure</div>
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If you’re purchasing a new car and have narrowed it down to two or three options, compare the auto insurance rates of each to see if there is a notable difference in the cost to insure. Remember, insurance rates are more for vehicles with high theft rates and repair costs. If there is a significant difference in cost to insure your first choice car, you may have to reconsider.</div>
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6. Drive safely</div>
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OK, this one is obvious but true. Driver’s with no accidents, tickets or insurance claims almost always pay less for their auto insurance coverage. Your driving record is an influential factor in determining your insurance rate. Tickets and at-fault accidents affect your insurance rates for years. With a less than the perfect driving record, you can find yourself paying a lot of extra insurance premium over the years.</div>
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Adelugba kayodrhttp://www.blogger.com/profile/11360593402914441379noreply@blogger.com0tag:blogger.com,1999:blog-8836536621694738249.post-66842666065972634542018-07-02T15:33:00.001-07:002018-11-28T05:34:46.567-08:00Outside Pressures On The Typical Insurance Adjuster<ins class="adsbygoogle" data-ad-client="ca-pub-4531728877092843" data-ad-format="fluid" data-ad-layout="in-article" data-ad-slot="8307687551" style="display: block; text-align: center;"></ins><script>
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Insurance adjusters are not without outside pressures they must deal with every day of their work life. It would be advantageous for all readers to be aware of the most important of these because they could put money in your bank.<br />
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The first of these is your State Department Of Insurance. Every state has a Department, or Commissioner, or Bureau of Insurance that overseas the antics of all Insurance Claims Adjusters and their superiors in that particular state. Each has a Consumer Complaint Division. If the adjuster you’ve been dealing with has refused to make any offer at all, has engaged in what you consider to be unethical conduct, or has made what you believe to be a ridiculously low offer, you have cause for a complaint.</div>
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The mere mention of a complaint to the State Department of Insurance may bring the adjuster around to making a better offer. Adjusters would rather not have to deal with a complaint and they positively don’t want copies of them ending up in their personnel file!</div>
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Your complaint to the State Insurance Department will accomplish several things. First, his boss will now become aware that there’s a claimant who intends to do whatever it takes to obtain some positive settlement dollars. That will often inspire that person to take a closer look at your case and come up with a better offer. </div>
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Also, if indeed you write to the Consumer Complaints Division, it will evolve into what’s always a costly effort because a complaint with the State Insurance Department will add an additional layer of work, supervised by an extra contingent of personnel. When it’s realized this will likely come to pass they’ll try harder to get rid of you and settle your claim.</div>
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The vast majority of insurance adjusters dream of one day being promoted to a higher position within the company they work for. They're acutely aware of the fact if their personnel file has correspondence flowing into it from claimants they've handled(plus copies of the letters which have been sent to the insurance commissioner) and those will, somewhere down the line, be read by one of his companies executives.</div>
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In many instances, this will be a man who doesn’t want a “Problem” claims employee spluttering, splashing and crashing about his office area causing headaches and extra work within the framework of that particular executive’s command. The adjuster is fully aware that such complaints will keep him, out on the road forever, and will surely prevent him from moving up the corporate ladder.
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OTHER CRUCIAL ISSUES THAT THE ADJUSTER IS AWARE OF</div>
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When it comes to the reality of the way things work in the actual, daily, experience of personal injury claim negotiations and settlement, is often vastly different from the stipulations found in the “Formal law”. That is, legal theory, as it’s written and allegedly supposed to work. What this means, simply stated, is: Adjusters can settle a case, whether their decision to do so is based on “The Law”, or not.</div>
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In the real world of Personal Injury settlements, a “Compromise” (one which often has little and often nothing to do with "The Law") is the order of the day. It’s commonly accepted among those in the business (because that’s what makes their work life so much easier) that in any given case there’s almost always a likelihood of negligence on both sides, rather than just one. </div>
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What this boils down to in practical terms, is this: regardless of the law practically no claim is without merit or totally lacking in value - - especially if the “Value” is simply to “get rid of it”. QUESTION: "How does Dan Baldyga know this to be true?" ANSWER: "Because he was an Insurance Adjuster, Supervisor, Manager and then Trial Assistant for over 30 years. He's been there, and observed that."</div>
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Although it’s never expressed to him “officially” every adjuster quickly learns, should your case go to trial, compromise will usually be the order of the day, even in cases of questionable liability. This fact alone gives him plenty of room to make a compromise settlement before your case ends up in his Defense Attorney’s hands where such a move will usually take place anyways! Why will this come to pass? Because the costs of preparing for(and then proceeding into)a courtroom battle will skyrocket.
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Being aware of this is always bubbling and boiling in the gray matter between every adjuster's ears. If there’s any question whatsoever (regarding who was at fault in the accident you were involved in) don’t ever give up. Keep pounding away! When faced with a determined claimant who’s willing to wait and haggle and refuses to go away, the chances are the adjuster will eventually make an offer.</div>
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This comes to pass because the adjuster(especially if your claim has some value) doesn’t want it to end up as a complaint at the State Department Of Insurance. Plus he knows you’ll be made, a settlement offer, somewhere down the line, anyway! So, better he settles it now, before the cost of defending it gets blown out of proportion, later.</div>
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In order to continue to look good (especially to those who watch their progress and the way they handle the outside pressure’s that haunt every one of them)insurance adjusters - - who want to climb their corporate ladder to success - - must be very cagey individuals who must work hard to please those they work for. For you to understand this will most assuredly be to your financial advantage.</div>
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Adelugba kayodrhttp://www.blogger.com/profile/11360593402914441379noreply@blogger.com0tag:blogger.com,1999:blog-8836536621694738249.post-87557169351384766162018-07-02T15:25:00.003-07:002018-11-28T05:36:11.508-08:00Overview of the Insurance Industry<script async="" src="//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script>
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Everyone needs some form of insurance to protect their possessions and their property, but how do we know where to get it from and who is the best provider? How do we know if its the right insurance we need to cover us?<br />
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If you own any form of property, whether is on wheels or a house, it’s wise to insure it as who knows what may happen. Finish work and find your car smashed into in the car park or even get home and find your house is flooded through these are both causes for claims and without insurance, you are looking at paying for it yourself.</div>
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Car Insurance</div>
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If you own a car, insurance is not just an option, it is a legal necessity. And you wouldn't want it any other way. If you are involved in an accident or have your car stolen, owning the right kind of motor insurance can help to ease a difficult situation.</div>
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<a href="http://www.isureinsurance.co.uk/car-insurance/"> Car insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.</div>
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Car insurance is the probably the most costly side of owning a car, which sometimes can even be as expensive as servicing, repairs and MOT’s and road tax, especially if you’re a younger a driver or those of you who find it difficult to get a cheaper quote.</div>
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There are 3 types of insurance available to you when coming to insure your car:-</div>
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Third Party – This is more than likely the cheapest you can buy and the simplest option; it is a requirement by law for any vehicle on the road. In short, this policy means that if you cause an accident, any damage caused to someone else’s vehicle will be paid for and they won’t be left out of pocket.</div>
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With third-party insurance, damage to your own car will not be covered, neither will you be in a position to claim if your vehicle is stolen.</div>
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Third Party, Fire, and Theft – This is one step up from your “third party insurance” As well as covering damage to another vehicle you are also covered on your own vehicle if It is covered against theft or damage caused by fire.</div>
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Comprehensive Insurance - This is a bit more expensive than the other two insurances as it will cover both your own accident faults and those of others. Also, you are covered for damages caused by someone else if that person’s insurance cannot be claimed on like a hit and run accident.</div>
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Using a broker like I sure insurance is a great way to find good quality car insurance at good prices also it saves you time searching for the right company, one form filled in or one conversation and it's all done for you.</div>
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Bike Insurance</div>
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<a href="http://www.isureinsurance.co.uk/bike-insurance/"> Bike Insurance should be thought of as a priority, it doesn’t need to be made out to be as hard as it is though. The key part you need to be aware of is that riding a bike without<span style="white-space: pre;"></span> the right insurance is against the law.</div>
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.With so much traffic on the roads nowadays, and the number of traffic problems experienced on the roads, Bike Insurance is a must. As a consumer, you are entitled to know everything about the insurance policy and where to get one from. This information should allow you to locate an underwriter or a broker like Ensure Insurance who can assist you in finding the best coverage for your Bike Insurance.</div>
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More and more people are tending to use Insurance Brokers like to help them find the best insurers or underwriters to suit their needs. There is, however, no such thing as a perfect insurance company for your bike. </div>
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Van Insurance</div>
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Like Car Insurance, <a href="http://www.isureinsurance.co.uk/van-insurance/"> Van Insurance can vary as it does have to consider many rating factors before you get a Van Insurance price. Vehicle weight is an important rating factor, small van insurance will be cheaper than transit van insurance this is because the smaller vans are easier to control and so fewer accidents occur in these.</div>
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Other rating factors are similar to those of cars, those who live in cities are thought to be more likely to have an accident, as they will be around more hazards; therefore it is quite normal for someone who lives in a city to have a higher quotation than someone living in a rural location.</div>
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Age as always is a factor within getting insurance younger persons will be thought of as a higher risk due to less driving experiences, it’s not always just the age that’s taken into consideration but the age of the vehicle as well.</div>
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Home Insurance</div>
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Your contents insurance or buildings insurance is there to protect your property and your possessions.</div>
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There are a few things within our household that are more valuable than our home and our personal possessions. Home can be not only the most valued commodity in our lives but the content is as well in sentimental value as well as cost.</div>
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Although < a href="http://www.isureinsurance.co.uk/home-insurance/"> home insurance is not a legal requirement its one that we should all consider as is our home really worth the risk? In the UK alone 1 in 3 people get burgled once in their lifetime.&nbsp, And at least a quarter of homes are not covered by any home insurance.</div>
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But its not only being burgled that is a threat to our homes and possessions but nature itself like floods, high winds and storms, and accidents like fires and spillages that could have a high priced effect to fix.</div>
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Most insurance companies today give a discount to those who take both buildings and contents insurance with the same Insurer. Best idea is go to insurance and shop around for the best quote you can find.</div>
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Adelugba kayodrhttp://www.blogger.com/profile/11360593402914441379noreply@blogger.com0tag:blogger.com,1999:blog-8836536621694738249.post-75367533680423080922018-07-02T15:11:00.001-07:002018-11-28T05:38:25.805-08:00Premium 30 Insurance Life Term Year<script async="" src="//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script>
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Premium 30 Insurance Life Term Year - Guaranteed! Quickly and Easily!<br />
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With whole life insurance, you pay a level premium over the life of the policy. We aim to provide the best life insurance cover at an affordable premium. Universal life insurance is very flexible, both in its premium payment schedule, as well as, its death benefit patterns. With universal life, the insurance company credits your premium to your cash value, minus administrative fees. Now quoting term life insurance, universal life insurance, and the return of premium life insurance. </div>
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A portion of the premium goes for life insurance, while the rest goes into an investment account. Variable-universal life combines the premium and death benefit flexibility of universal life with the investment flexibility and risk of variable life insurance. </div>
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There are a few varieties of permanent insurance: Whole life lets you pay a fixed premium for a fixed death benefit. In addition, if you elect automatic increase, your life insurance premium automatically increases when your salary increases. The medical exam for your life insurance may condition which has a negative impact on your term life insurance premium.</div>
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Cholesterol among other facts is a very common factor which can cause your term, universal or whole life insurance premium to increase. We assume that we are not able to earn your business if your life insurance premium comes back higher than quoted initially. </div>
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Pilots may read articles, Avemco newsletter, purchase renters insurance, pay premium or request quotes on pilot-friendly term life insurance and aircraft insurance. That is why whole life insurance policies have the highest premium it's insurance for your whole life, no matter when you pass on. Consider level premium term life insurance. </div>
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top Term (Life) Insurance This is a lump-sum payment in the event of your death, paid out to your nominated beneficiary. Buying optional life insurance provides economic support for your family in the event of your death or a catastrophic event. Some life insurance programs include extra benefits in the event of accidental death or certain injuries. The association with death makes many people feel there is something scary about life insurance. If there is no one who would be financially harmed by your death, then life insurance is probably unnecessary. </div>
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One is a general program with many commercial lines insurance, personal lines insurance, life insurance, and health insurance courses. Read reviews on car insurance, health insurance, home insurance, life insurance, travel insurance, pet insurance and phone insurance. If an activity or health concern, in general, might shorten a lifespan, it could factor into the life insurance rate. universal life insurance quote, insurance quote and, insurance quite and, also known as online health insurance ... Car insurance, health insurance, life insurance, homeowners insurance, etc.
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Nevertheless, the Mexican market provides significant opportunities for insurance companies to sell property and casualty, life, and health insurance products. Fast, instant quotes on auto, home, health and life insurance. quote.nationwide.com NetQuote Helping consumers in their search for auto, home, life, health and business insurance.</div>
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However, life insurance may also play a role in choosing retirement income options, depending on the health of the employee and/or dependents. Separate licenses are required for agents to sell life and health insurance and property and casualty insurance. You may add a dependent to your health, dental, and life insurance within 60 days of the date of birth or adoption. </div>
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This legislation includes measures affecting the life and health insurance sector. Over a dozen Canadian-controlled life and health insurance companies operate branches and subsidiaries in more than 20 countries. Regulation and Supervision The federal and provincial governments share jurisdiction over life and health insurance companies. Canada's five largest life and health insurance companies are now publicly held. </div>
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I need insurance life quote term needs iegnsurense life quite term insurance life quotes whole features. quite Mortgage insurance quotes best term life insurance quote, best term life ... universal life insurance quote ... To obtain a personal quote, please contact a registered life insurance agent. Get a quote for life insurance, critical illness or income protection cover. Get an immediate life insurance quote. For a life insurance quote. For the cheapest life insurance quote, we'll search the UK life market to compare thousands of deals for you. Click here for a level term life insurance quote. </div>
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FACT: While there are similarities, each life insurance company has a distinct way that they underwrite or set insurance rates. You can do this by designating JDRF as a beneficiary on the form provided by your life insurance company. The life insurance company will pay for the cost of the exam. This is not the situation when life cover is with an insurance company. A: Your mother should contact the life insurance company and request the ownership change. Now life insurance company products are also sold by mail, telephone, and the Internet, directly to the public. Serves as the primary life insurance company for AAA members. </div>
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A licensed agent in your area will contact you about your coverage options and the life insurance providers that are available. Your life insurance coverage will be effective the first day of the month after your application is received by your employer. Your visitors may also be interested in information on home insurance, life insurance, and other types of coverage. UC provides basic life insurance coverage at no cost to all eligible employees.
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Our knowledge of the different underwriting requirements of all the life insurance companies again will prove to be a big benefit to you. There is also stock life insurance companies where the profits are made for the benefit of the stockholders. Ideal candidates will be bright, challenging and professional, life insurance knowledge and experience is preferable although other financial services experience would be a benefit. AGLA's uniquely designed Quality of Life 0AC¦Insurance product suite incorporates life insurance with accelerated benefit riders. </div>
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Free insurance quotations for South Africans including car, house, medical, retirement and life cover plus investments. Because they only cover accidents, these policies are much less expensive than other life insurances. The most popular critical illness life insurance policies cover conditions such as heart conditions, cancer, strokes, multiple sclerosis, heart attacks or surgery. </div>
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Unlike life cover, women pay more for income protection insurance than men because historically women have made more claims. Mortgage life insurance - Help protect the family home with life cover, which decreases in line with your reducing mortgage loan. deals A-Day cuts cost of cover Millions could enjoy big savings on life insurance following the A-Day revolution. </div>
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You then have the option to buy life insurance there and then! The key is to buy life insurance only for losses that you can not replace, such as your income. Whatever type of life insurance you decide to buy, shop around. Most people buy life insurance when they get married, or buy a home, or have kids, or when other life-changing events take place. </div>
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Adelugba kayodrhttp://www.blogger.com/profile/11360593402914441379noreply@blogger.com0tag:blogger.com,1999:blog-8836536621694738249.post-57689129450857204812018-07-02T15:05:00.001-07:002018-11-28T05:51:04.767-08:00Selling Your Life Insurance (Viaticals and Life Settlements)<script async="" src="//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script>
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Selling your life insurance is an option you might consider if you're in a difficult financial situation for which you don't see a closed end. If you're interested in selling your life insurance, this is a good starting point to obtain some basic information.<br />
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Selling your life insurance is an option you might consider if you're in a difficult financial situation for which you don't see a closed end. A terminal illness or old age could cause you to think twice about paying those hefty premiums at this stage of your life. Selling your life insurance carries with it complex implications and substantial risks, so it is important that you educate yourself regarding the big picture. If you're interested in selling your life insurance, this is a good starting point to obtain some basic information.</div>
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Basics: Vocabulary</div>
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If you've already done any research on selling your life insurance, chances are good that you've come across two main terms: viaticals and life settlements. Both refer to the selling of your life insurance to a third party. So what's the difference? "Viatical" is typically used to refer to the transaction involving a chronically or terminally ill insured, while a "life settlement" is a transaction involving a senior (generally over the age of 65) who is not terminally ill.</div>
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Even though you now know the difference, it does not mean that your state does. These terms might be used interchangeably, or your state might use one of them to refer to both transactions. For example, your state could use "Viatical Settlement" to refer to any type of transaction regarding selling your insurance. Be aware that this kind of ambiguity may exist in relation to the vocabulary used in the sale of your life insurance.</div>
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How it Works</div>
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The owner of the life insurance policy will sell it for a percentage of the death benefit a lump sum to a third party and, in exchange, receives an often substantial lump sum payment. The third party then becomes the new owner and/or beneficiary of the policy and pays all of the future premiums and eventually collects the death benefit when the insured passes away.</div>
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Those considering selling their life insurance may either directly approach a viatical company or settlement firm, or they may choose to work with a broker. The broker will act as an intermediary and present the information to several different companies/firms in an effort to find the highest price for the sale.</div>
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The settlement firms buy the insurance on behalf of investors. In this situation, the investors become the owners and beneficiaries, and the settlement firm pays the premium until the insured dies. The firm then collects the death benefit and either pays its investors a percentage of the annual return or repackages the policy for sale to another party.</div>
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Take comfort in know that the process of selling one's life insurance is typically very confidential. Most viatical companies and settlement firms understand the discretion necessary to make the process run smoothly and easily. However, a company may act disrespectfully and become borderline intrusive by trying to keep track of the insured's condition. For this reason, it is important to work with a respectful, experienced organization.</div>
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Who Considers Selling</div>
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Those with serious, life-threatening illnesses are most likely to consider selling their life insurance to provide cash for various expenses, such as mounting medical bills. For those who are not terminally ill, selling the life insurance might be a good idea for a number of reasons. If the owner's beneficiary has died or if the owner can't afford to keep paying the premiums, it would appear that they no longer have sufficient use for the life insurance. Seniors around retirement age may also consider selling their life insurance, even if they are free of debt, in order to receive a lump sum of money with which they may do whatever they please.</div>
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Keep in mind that different companies may have different eligibility requirements to be able to sell your life insurance policy.</div>
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Advantages to Selling Your Life Insurance</div>
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It might be easy to see some of these benefits, but others are a little less obvious.</div>
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<span style="white-space: pre;"> </span>You'll receive a lump sum cash payment right now. As mentioned above, this is especially useful to the terminally ill who have mounting medical bills.</div>
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<span style="white-space: pre;"> </span>You will receive more by selling your life insurance than you would if you simply surrendered it to the insurance company. It is possible<span style="white-space: pre;"></span> for an insured person who is 65 or older or who is terminally ill to sell a policy with little or no cash value for a $100,000.00 or much more.</div>
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<span style="white-space: pre;"> </span>You won't have to pay any more insurance premiums. If your financial situation is becoming strained with no end in sight, <span style="white-space: pre;"> </span>eliminating premiums is a way to alleviate the burden.</div>
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<span style="white-space: pre;"> </span>You don't have to repay the money like you do when you borrow against your insurance policy.</div>
<span style="white-space: pre;"> </span>Even though your life insurance benefits won't be available once you die, you can still leave money to a certain person or organization – it will just come from the money that is leftover after using the funds from selling your policy. So, selling your life insurance does not mean<br />
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<span style="white-space: pre;"></span> that you're definitely robbing your beneficiaries of their gift.</div>
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<span style="white-space: pre;"> </span>In some cases, the money you receive is tax-free.</div>
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<span style="white-space: pre;"> </span>There are no regulations or restrictions on how you make use of the money you receive. You may spend as much of it or as little of it as you wish, however you please.</div>
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Risks of Selling Your Life Insurance</div>
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Understanding the risks associated with selling your life insurance will help you make an informed decision. Be sure to consult a financial advisor or tax attorney to make sure you understand the implications of the sale.</div>
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You might lose your eligibility for some public assistance benefits, especially those based on your income and assets (such as food stamps, welfare, Medicaid and some Social Security benefits).</div>
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<span style="white-space: pre;"> </span>There could be tax issues. Selling the policy will </div>
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<span style="white-space: pre;"> </span>result in a tax bill if the settlement amount exceeds your cost basis.</div>
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<span style="white-space: pre;"> </span>With improved medical care, the ill person may live longer than expected.</div>
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<span style="white-space: pre;"> </span>You might face unhappy heirs. This might not be a problem for you, but it could lead to a long road of (possibly legal) complications and battles. Some settlement actually companies require the beneficiaries to also sign off on any sale, which could be good or bad, depending on whether or not you're dealing with a cooperative beneficiary.</div>
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Other Options</div>
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If you come to the conclusion that selling your life insurance policy is not for you, there are other options (though none that would provide you with such a large lump sum). An insurance agent should be able to help give you more information on some of these ideas.</div>
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Borrow against your insurance policy</div>
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<span style="white-space: pre;"> </span>Cash out the policy if it has a surrender value</div>
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<span style="white-space: pre;"> </span>Look into accelerated benefits or living benefits</div>
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<span style="white-space: pre;"> </span>Borrow money (from family or friends perhaps) and use the life insurance policy as collateral</div>
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If you believe that selling your life insurance policy is the right decision for you, make sure you deal with a dependable, experienced broker or settlement company to ensure that you get the best service and results from your transaction.</div>
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Adelugba kayodrhttp://www.blogger.com/profile/11360593402914441379noreply@blogger.com0tag:blogger.com,1999:blog-8836536621694738249.post-17240265830631778432018-07-02T14:50:00.000-07:002018-11-28T05:55:42.966-08:00Medical Insurance – Sorry, you're not covered!<ins class="adsbygoogle" data-ad-client="ca-pub-4531728877092843" data-ad-format="fluid" data-ad-layout="in-article" data-ad-slot="8307687551" style="display: block; text-align: center;"></ins><script>
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If you're looking for Medical Insurance you must read this article. It's important to appreciate what will and won't be insured. Do your homework now and understand the pitfalls - it will help you choose the right policy.<br />
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In the UK around 7 million people spend around £3 billion a year on medical insurance. One in seven policies is taken out by individuals with the balance being put in place by their employers. The problem is that Medical Insurance is complex and few policyholders take the time to really study the details of their cover. As a result, many misunderstand what will be covered. If you expect medical insurance to pay for every health claim, you're mistaken. </div>
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Medical Insurance is designed to provide protection for curable, short-term health problems and allow policyholders to jump the NHS queues to see consultants, be diagnosed, receive surgery or be treated. That sounds fine, but before you buy you need to appreciate the treatments and situations that fall outside the scope of the cover. </div>
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But first a word of warning. This article does not relate to any specific policy and the terms and conditions issued by individual insurers do vary. So please ensure you also check your policy documents. After reading this article, you'll know what to look out for! </div>
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Sorry – it's a chronic condition </div>
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If a condition can be cured and is not a long-term problem, your insurance company will classify it as acute and should meet the cost. If your problem is incurable or it's a problem that, despite appropriate treatment, will be with you for a long time, then your insurance company will classify it as chronic - and no, you won't be covered. </div>
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But deciding whether a condition is acute or chronic is fraught with problems. It's rarely a black and white decision and this can lead to a major area of conflict between policyholder and insurer. </div>
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It's clear that asthma and diabetes are chronic conditions as you're almost certain to suffer from them for the rest of your life. So those categories of illness are not covered. </div>
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Problems arise when Doctors initially consider a patients' condition to be curable, but the condition later deteriorates and the medical team changes its' mind, it's now become incurable. This can sometimes happen, especially in the treatment of certain types of cancer. </div>
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In these circumstances, the condition is initially defined as acute and is therefore insured, but deteriorates and becomes chronic - and outside the terms of cover. This is possible as insurers retain the right to reclassify a condition from acute to chronic during treatment. </div>
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Sorry - it's too long-term </div>
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The insurance company will not pay out for long-term treatment. But you need to check your policy documents to see how they define “long-term”. You can find the situation where a course of drugs extends for say 12 months, but the insurer will only pay for ten months. </div>
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Sorry – it's preventative </div>
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Your insurance is designed to pay for the treatment and cure of conditions when they arise. It is not designed to pay for treatments that are used to prevent an illness.
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Again, the problem of definition arises. Sometimes it is arguable whether a treatment is preventative or a cure. Take the drug Herceptin for example. This drug can be used in the early stages of breast cancer. Research shows that Herceptin can halve the incidence of cancer returning for women who have a particularly virulent form of cancer known as HER2. In this situation, is Herceptin offering a cure or is it a preventative? </div>
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Insurance companies are split on the debate. Norwich Union, WPA, BUPA and Standard Life Healthcare will pay for Herceptin for HER2 patients whereas Legal and General and Axa PPP will not. </div>
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Sorry – the drug is not approved </div>
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Two of the main attractions for taking out medical insurance are: to jump the queues at the NHS and to get the latest treatments and drugs. But there's a rider. </div>
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The Institute for Health and Clinical Excellence exists to approve the use of new drugs by the NHS in England and Wales. Until that body has approved the drug your insurer is unlikely to pay for its use. The problem is that the Institute's brief is to perform a cost/benefit analysis to ensure that the financial benefits to the nation from using the drug, outweigh the costs of using it in the NHS. A difficult brief and it has placed the Institute under scrutiny for the extended delays in drug approval. </div>
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The compromise hit on by the Financial Ombudsman is that if your medical policy won't pay for the use of experimental treatments, then it should meet the cost of an approved conventional treatment with the policyholder footing the bill for the balance if the experimental treatment is more expensive. </div>
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Sorry – it's a pre-existing condition </div>
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The basic principle is that if you are already suffering from a condition when you start a policy, then that condition “pre-exists” the policy and any claims for its treatment are invalid. </div>
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For this reason, insurance companies insist you complete an exhaustive questionnaire before they agree to insure you. After all, they need a clear picture of your medical condition before they quote. For many applications, the insurer will, with your approval, also write to your GP for specific details of your medical history. They like to have a complete picture. </div>
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So let's say some years ago you twisted your knee playing tennis. It appeared to recover but now it turns out that you have a torn cruciate ligament and it needs to be operated on. Your medical insurance company could argue that the ligament damage was a pre-existing condition and you have to pay for the operation. </div>
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Some insurers try to accommodate these grey areas with a moratorium provision within your policy. These provisions typically say that so long as you have been symptom-free for two years relating to any condition you've suffered from within the last 5 years, they will pay for subsequent treatment. Not all policies have these moratorium provisions and the time periods do vary between insurers. You should carefully read your policy. </div>
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Sorry – it's not covered </div>
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Medical Insurance is an annual contract – just like your car insurance. So when it comes to renewal, your insurer is at liberty to review not only your premium but also change the conditions on which your cover is provided.
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Therefore, if your policy comes up for renewal midway through a course of treatment, it's possible to find that your new policy no longer covers that particular treatment. This means that you will have to foot the bill for the balance of the treatment. </div>
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Furthermore, with ongoing advances in medical research, more and more conditions are becoming treatable. This progress has the effect of shifting back the dividing line between chronic and acute conditions. </div>
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This hits the insurers' pocket in two ways. With more conditions being reclassified as acute, the number of claims is increasing. And there's also a trend for new treatments to cost more – Herceptin being a good example. The net result is that the insurers are finding themselves having to pay out far more. This is inevitably passed back to you through increased renewal premiums. And in an attempt to reduce their risk exposure, insurers have a tendency to adjust their definitions and exclusions. This means that you must read your renewal notice closely before you decide to renew. </div>
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So if you're tempted to buy Medical Insurance, be aware that everything is not always black and white. If you've got insurance and need treatment, you're well advised to contact your insurer without delay and get them to confirm that they will meet the cost of your proposed treatment.</div>
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Adelugba kayodrhttp://www.blogger.com/profile/11360593402914441379noreply@blogger.com0tag:blogger.com,1999:blog-8836536621694738249.post-16849414988642816842018-07-02T14:45:00.000-07:002018-11-28T05:58:57.872-08:00Mortgage Protection – easing your biggest concerns.<ins class="adsbygoogle" data-ad-client="ca-pub-4531728877092843" data-ad-format="fluid" data-ad-layout="in-article" data-ad-slot="8307687551" style="display: block; text-align: center;"></ins><script>
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Most homeowners have life insurance to repay their mortgage if they were to die. But death is only one of many risks. What other risks threaten your mortgage and how can they be offset? This article investigates and offers some solutions.<br />
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Mortgage Protection – easing your biggest concerns.</div>
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OK, now you have a lovely new home and with it comes a lovely new mortgage. With the average mortgage advance standing at around £150,000 it's a long-term commitment to repay a lot of money. The repayments also take a fair slice out of your monthly income.</div>
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What could go wrong with these financial arrangements and can you hedge your bets by insuring against the risks? After all you have a family to protect.</div>
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Most people would identify 5 main areas of concern, all of which boil down to your ability to maintain the mortgage repayments:</div>
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Interest rates might increase and make the monthly repayments unaffordable </div>
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You might lose your job </div>
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You might be forced to take time off work through illness or accident </div>
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You may become permanently unable to work through accident or very serious illness </div>
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You could die before the mortgage is paid off. </div>
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The financial industry is packed with pretty shrewd people so it'll come as no surprise to learn that there are financial products to help with each of these risks.</div>
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If you want to reduce the risk of interest rates rising to unaffordable levels, you should have discussed these matters with your mortgage adviser. He will then have told you about “fixed” and “capped interest rate” mortgages. As the name implies, a fixed rate mortgage fixes the interest rate you pay whilst with a “capped” mortgage, the lender agrees not to increase your interest rate above a pre-agreed level. Both types of mortgage revert to the standard variable rate after the fixed or capped period finish which is typically after three or five years, depending on your lender.</div>
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Fixed rate mortgages are currently very popular accounting for 55% of new advances and there are some very good deals around. The capped rate for capped rate mortgages is usually set at the outset above the equivalent fixed rates available but the rate you pay is lower than the fixed rates. In this context, your interest rate risk can be effectively controlled. After the end of the protected period, you always have the option to re-mortgage and find another rate protected deal. </div>
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There are never any guarantees on the rates that will be available but the mortgage market is highly competitive, especially for re-mortgages, and special rate offers to abound. It's really a matter of knowing which lender to approach. When the time comes you'd be well advised to ask a mortgage broker to search out the most suitable options.</div>
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Worried about paying your mortgage if you lost your job? Then you need Mortgage Payment Protection Insurance - but be aware that in its basic form, this insurance is really only designed to cover redundancy. If you resign or are fired for gross misconduct you're unlikely to be insured. The cost? Online you can expect to pay around £2.45 per £100 of a monthly mortgage payment for a policy which starts paying out 30 days after you've been made redundant and will pay out for up to 12 months. You're sure to have been offered similar insurance by your bank or mortgage company but watch out, their premiums are likely to be two or three times higher for identical cover.</div>
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Mortgage Payment Protection Policies can also be extended to cover the third area of concern – you lose income through illness or accident. But before you rush into this insurance you need to ask your employer how long they'd continue paying you if you were off work. Remember, you only need to insure for the period after your employer stops paying. </div>
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You would then receive statutory sickness pay, but the odds are you'll need that income for general living costs. The cost of this insurance? Well, online it'll again cost you around £2.45 per £100 of a monthly mortgage payment for a policy which starts paying out after 30 days, However, if you combine illness, accident and unemployment cover all into one policy you can currently get combined insurance for around £3.95 per month. The essential point to remember is that these policies will only pay out for 12 months. That leads on to the fourth area of concern.</div>
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How would you pay your mortgage if you were unable to work again through a serious accident or critical illness? In this context, it is important to appreciate the reality of the risk. The insurance industry estimates that 1 in 5 men and 1 in 6 women suffer a critical illness before their normal retirement age. Just think what a heart attack at 40 would mean to your family finances, especially if you have a mortgage with many years still to run. For many, insurance is a must.</div>
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The best option is to arrange insurance that totally repays the outstanding mortgage if you can't continue to work. That at least removes one big worry. The insurance you need is called Critical Illness Insurance but make sure “total and permanent disability” cover is included. This ensures that your mortgage will be repaid if you are incapacitated through an accident.</div>
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You can buy Critical Illness Insurance with “decreasing cover” where the size of the payout decreases as the years go by. This is ideal if you have a repayment mortgage where you are repaying the mortgage bit by bit each month. The decreasing cover is also the cheapest form of this Insurance.</div>
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If you have an interest-only mortgage, the situation is different as the sum you owe your lender, remains constant. You certainly don't want the cover to decrease - so here you need Critical Illness Insurance with “level cover”.</div>
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As with all these insurances, there's always a twist to watch out for. Critical illness Insurance you always need to survive for a minimum period following an accident or diagnosis of a critical illness. If you don't, the policy will not pay out. With most insurance companies the survival period is 28 days although some have reduced this to 14 days.</div>
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That leads on what happens if you were to die. Most lenders insist on Mortgage Life Insurance to repay your mortgage in one lump sum. However, you really don't need it if you're single and living alone. In these circumstances, if you would die, your estate would simply repay your mortgage by selling the property. For everyone else, Mortgage Life insurance is the most commonly held form of mortgage protection. Again it comes in a “decreasing cover” format for those with repayment mortgages and “level cover” format to repay interest only mortgages.</div>
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All this insurance will not be cheap but there are ways of significantly reducing the cost. Buy a Mortgage Payment Protection Policy that combines unemployment, accident and illness cover. Sometimes this is called “unemployment and disability” cover. This will save you about 20%. The cheapest way to buy Critical Illness and Mortgage Life Insurance is again to buy a combined policy. Here it's difficult to be precise about the savings as the cost will be strictly calculated on your own personal details and health record - but you can certainly expect to save 20-25%.</div>
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The final bit of advice is shop around for the insurance. Your bank or building society will be absolutely delighted to arrange it but you'll pay top dollar. The Internet is by far the cheapest way to buy all these insurances, especially if you use one of the many discounting brokers. You'll find these brokers if you search under “life insurance”, “cheap life insurance”, “life insurance quotes” or “Mortgage Protection Insurance”.</div>
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Competition on the net is rife, so it's the norm for these brokers to cut commission and pass the savings back to you through lower premiums. There are other aspects you'll need to consider such as whether to buy a policy with a “Guaranteed Premium” or a “Reviewable Premium”. So you're best advised to talk matters over with a life insurance adviser. Ten minutes on the phone with an adviser could save you more and avoid a lot of heartaches.</div>
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Be lucky, keep fit, happy and well insured!</div>
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Adelugba kayodrhttp://www.blogger.com/profile/11360593402914441379noreply@blogger.com0